Top 10 Rewarding Credit Cards in India

Numerous credit cards are available in India that provide alluring perks, including reward programs, cashback, gasoline savings, insurance advantages, travel advantages, etc. You may get the most out of your credit card if you choose it carefully depending on your lifestyle needs.

HDFC Millennia Credit Card

There's no reason to pass up the HDFC Millennia credit card if you're just starting out in the world of credit. That holds true whatever the other cards you may obtain. After the most recent upgrade, you get access to HDFC merchant deals and great rewards with simpler terms and conditions. The more you interact with a bank, the more likely you will get approved for a premium or super premium HDFC credit card.

Axis Ace Credit Card

A straightforward credit card that rewards everyday purchases with 2% cash back. This 2021 favourite retains its 2022 top spot since its reward rate is higher than that of many premium credit cards. However, Axis's weak technology and limited credit limit are problems. I'm holding out hope that things will improve this year.

Amex MRCC

Obtaining an American Express Membership Rewards Credit Card (MRCC) is the most convenient entry point into the Amex ecosystem. Simply using the card to get the monthly bonus of 1,000 MR points yields a more than 10% return. In addition, you'll be able to take advantage of the great Amex Offers (merchant incentives & spend-based offers), which are usually quite advantageous.

SBI Cashback Card

This is your best bet if you're a low-spending cardholder in 2022. The 5% Cashback is generous up to a monthly maximum of 10,000 INR, or around $2,000. Utility, rent, and wallet loading do not qualify for the 5% cash-back offer.

 ICICI Amazon Pay Credit Card

You should not let this great card pass you by if you are a frequent Amazon shopper and a member of Amazon Prime. It offers so many exciting additional offers on your amazon purchases.

BOB Eterna

You shouldn't miss out on this fantastic deal if your monthly spending on goods and services does not surpass $40,000 and takes place primarily online. The catch is that the premium support isn't all that fantastic.

IndusInd Pinnacle

You should really think about applying for an IndusInd Pinnacle Credit Card if you do a lot of shopping online. Better availability with a low registration cost and welcoming perks have helped boost its profile as of 2020. The strain the epidemic has placed on travel rewards has made stmt. credit attractive to some. Some people still put stock in it despite its recent depreciation.

HDFC Regalia

The possibility to receive Priority Pass for family members who also share the gratis lounge entry limit is the most significant advantage of this card, even more so than the points and merchant deals. This is a fantastic alternative for saving money for individuals who cannot apply for HDFC Super Premium credit cards.

IDFC First Wealth Credit Card

Spending more each month warrants this card, especially if you like cashback or other non-travel rewards over stmt. credit card or Amazon/Flipkart coupons.

SBI IRCTC Platinum Credit Card

Saving up to 10% on train tickets with the SBI IRCTC credit card may be used for future train travel. Get this card if you take 40 or more travels per year on Indian Railways.